Florida 2026 Filed Rate
Florida workers' comp rates are filed with NCCI and approved by the Florida Office of Insurance Regulation. Rates shown are per $100 of gross payroll.
Rate History — Code 3822
| Year | Rate (per $100) | Year-over-Year | Status |
|---|---|---|---|
| 2026 Active | $3.77 | — | NCCI FL Filing |
| 2025 | $4.09 | +8.5% (+$0.32) | NCCI FL Filing |
| 2024 | $3.85 | -5.9% ($0.24) | NCCI FL −15.1% overall |
| 2023 | $4.21 | +9.4% (+$0.36) | NCCI FL Filing |
| 2022 | $4.24 | +0.7% (+$0.03) | Historical |
Florida workers' comp rates have generally declined. In 2024, NCCI secured an overall -15.1% rate reduction (approved by FLOIR), one of the largest reductions in Florida history.
Code Description
Bus
For bus operators and transportation services, pay-as-you-go workers compensation through a PEO agency like GarrettRichard is a natural fit due to the fluctuating nature of employment and the inherent risks associated with transporting passengers and cargo. Businesses in this class code often experience seasonal variations and may employ temporary or contract workers, making it challenging to predict and budget for workers comp expenses. The high-risk profile of this class code, coupled with the need for flexible and cost-effective solutions, makes pay-as-you-go a desirable option for bus operators and transportation services.
Quick Premium Estimate
Based on the 2026 filed rate of $3.77 per $100 of payroll:
| Annual Payroll | Est. Annual Premium | Est. Monthly |
|---|---|---|
| $50,000 | $1,885.00 | $157.08 |
| $100,000 | $3,770.00 | $314.17 |
| $200,000 | $7,540.00 | $628.33 |
| $500,000 | $18,850.00 | $1,570.83 |
These are estimates based on the filed rate only and do not include SUTA, admin fees, or other charges. Get a full itemized quote →
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